USDA Rural Development has partnered with local lenders to help them extend 100% financing opportunities to rural individuals and families.

• No down payment required 
• No expensive monthly mortgage insurance means you may qualify for a larger loan.
• Flexible credit and qualifying guidelines.

The Rural Development guaranteed loan program has assisted thousands of customers just like you. 

The Advantages:

• No Down payment is required.
• Flexible credit score guidelines.
• No maximum purchase price limit.
• Closing costs can come from any source including gifts.
• Repairs and improvements can be included in the loan.
• Competitive fixed 30-year rates.

Eligibility criteria: Occupy the property as your primary residence.

• Do not own an adequate home.
• Do not have sufficient cash for a 20% down payment plus pay typical loan closing and relocation expenses.
• Be a U.S. citizen, a U.S. non-citizen national. 
• Provide stable and dependable income for repayment ability.
• Have a credit history that indicates a willingness to meet obligations as they become due.
• Have an adjusted household income that is within Rural Development guidelines based on the number of persons who will occupy the home.  
• Purchase a residential property that is located in a Rural Development eligible area.